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Does My Property Insurance Cover Damage Caused by Pets?

  • Does my home/condo/tenant insurance cover damage by pets?
    • Personal property coverage
      • Protection for your personal property found in your home policy may help cover your belongings in the event of loss, but there generally isn’t coverage for personal items like furniture if they’re damaged by your pet. So you likely wouldn’t be able to make a claim in this case. Make sure to discuss your coverages with your broker for a full description of what may be covered.
    • Dwelling and other structures coverage
      • Coverage for structures on your property, like your house or fence, often have similar limitations when it comes to pet-related damage. Should your dog chew through your wall, or damage another structure, your home insurance policy is not likely to cover the cost of repairs.
    • Liability coverage
      • Your liability protection may offer coverage if your pet damages someone else’s property. If your dog causes damage at your friend’s house, the liability coverage in your policy may help cover the cost of repairs. But again, there likely wouldn’t be coverage for pet damage to your own belongings.
    • Tenant Insurance
      • Many tenant insurance policies offer some form of liability coverage. For pet owners, this liability coverage may help in case your pet ever causes injuries or property damage to other people. Whether inside or outside your residence, you will generally be protected under the liability coverage of your tenant policy. Liability offers protection against any costs associated with the incident, up to your policy’s limits.
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